买屋者在买屋子时常犯的一些错误

Focus

如果有谁自愿要翻译，无任欢迎！

Focus

保留。。。。。。。。。。。。。。。。。0

Focus

Once a decision has been made to purchase a home, often buyers start rushing off looking for houses and strata units at exhibitions, surfing the internet, calling on advertisements and visiting show houses before doing some up-front preparation. There are many buyers wondering if they can get a refund on the initial deposits for one reason or another but mainly because they have rushed into paying a deposit before they are ready.

Once you paid a deposit to purchase a house and "change your mind", the chances of getting a refund are almost non-existent. More damage financially, if one has signed the sale & purchase agreement. The penalty clause is 1% of the purchase price if the buyer is unable to get a loan. If it takes 1% of the purchase price to test whether one is eligible for loan, it makes sense to do research before hand.

Also, think about how long you plan to own the house. Would it be difficult to resell? List the negatives. Could you eliminate or reduce them?

[ 本帖最后由 Focus 于 20-9-2006 03:16 PM 编辑 ]

Focus

Very few buyers do bother about the legal side of the housing process and prefers to leave it to their lawyer or lawyers from their Vendor's panel to assist them in the process. Many house buyers are surprised to find out that their purchase is not protected under the laws. House buyers should be reading up on the different types of properties and whether or not these purchasers are covered under the Housing Development (Control & Licensing) Act 1996 (revised 2002) or not.

[ 本帖最后由 Focus 于 20-9-2006 03:31 PM 编辑 ]

Focus

First-time homebuyers need to ask questions. Lots of questions. So, who do they go to, to ask these questions? So choose a real estate agent or a lawyer who has experience working with the uninitiated and is willing to explain the entire house buying process in detail, and explain it again until you understand it.

[ 本帖最后由 Focus 于 20-9-2006 03:34 PM 编辑 ]

Focus

This can be a real nasty surprise when the buyer assumes that the lawyer recommended by the vendor or a developer represents him when they actually represent the vendor and owes complete allegiance to the vendor. Until such time that the law makes it illegal for vendors to advertise "free legal fees", buyers learn the hard way that "free" means no representation. Some buyers argue that since such sale & purchase agreements are standard documents, a couple of thousand ringgits saved is worth it. So, although the documents are standard, they are forms and every units, project & concept is different. For strata properties, there are documents like "Deed of Mutual Covenant" & purchase of car-park bays, are not standardised.

[ 本帖最后由 Focus 于 20-9-2006 03:39 PM 编辑 ]

Focus

This is true of a majority of first-time buyers. Most do not read their agreements and have no inkling of what they have signed. Many put their complete trust in their lawyers and think that blindly that all the lawyers will be looking out for their interest whether or not they are represented.

[ 本帖最后由 Focus 于 20-9-2006 03:42 PM 编辑 ]

Focus

Delays in handover of vacant possession are so common, that buyers are wise to make provisions for them. If you are renting a house, make sure your landlord is flexible with the extension otherwise moving to another accomodation for an indefinite time will certainly cost you more.

[ 本帖最后由 Focus 于 20-9-2006 03:45 PM 编辑 ]

Focus

Don't stop your inspection at the property line. Examine the surrounding area. Is it safe, well maintained and moderately quiet? Is it convenient to work, schools and shops? Ask about zoning and that lovely forest of vacant land across the street. Could the highway nearby be widened in a couple of years? Within ear shot? If you're not familiar with the area, ask firends and colleagues about it.

[ 本帖最后由 Focus 于 20-9-2006 03:48 PM 编辑 ]

Focus

No one likes to admit they bought the wrong house. But, it happens. Some have had their deposits forfeited for last minute changes of mind. This is an expensive way to learn what they needed in a home. To ensure that this doesn't happen to you, do your homework well before you part with your hard-earned money.

[ 本帖最后由 Focus 于 20-9-2006 03:51 PM 编辑 ]

Focus

1。房在于实用不在于大。
2。高楼总比低楼贵，只要舒适，买低楼可让你省一笔钱。
3。与其买了已经装修的屋子然后自己再装修，
   不如买未装修的屋子然后自己再装修更省钱。
4。绿化地区的管理费用比水景地区的管理费低很多。
5。社区内的会所设施基本上是多余的，他只是要让你多付钱。

[ 本帖最后由 Focus 于 25-9-2006 09:57 AM 编辑 ]

Focus

保留。。。。。。。。。。。。。。。。。10

凯文刚

原帖由 Focus 于 20-9-2006 03:03 PM 发表
This is true of a majority of first-time buyers. Most do not read their agreements and have no inkling of what they have signed. Many put their complete trust in their lawyers and think that blindl ...

这个我要说,

CONTRACT很多人看不懂的,太多专业词和英文不好...

叫那LAWYER解释,他们只是很表面的说迟交屋啦.....的那些东西....

要他们深入的讲解,他们只会跟你说"一样的啦..."...."STANDARD的啦.."等等.

所以不了解.

Focus

原帖由 凯文刚 于 21-9-2006 12:42 PM 发表


这个我要说,

CONTRACT很多人看不懂的,太多专业词和英文不好...

叫那LAWYER解释,他们只是很表面的说迟交屋啦.....的那些东西....

要他们深入的讲解,他们只会跟你说"一样的啦..."...." ...

你有权力要求律师给你解释，
因为你花钱请他的。
问他：“如果你不给我一条条解释， 那我有需要付你钱吗？”
权益是自己争取的。
如果他不给予你合作，
那么就撤换律师。

原帖由 凯文刚 于 21-9-2006 12:42 PM 发表


这个我要说,

CONTRACT很多人看不懂的,太多专业词和英文不好...

叫那LAWYER解释,他们只是很表面的说迟交屋啦.....的那些东西....

要他们深入的讲解,他们只会跟你说"一样的啦..."...." ...

很赞同这点，
我和屋主的租约都看了我好久...
除非有个私人律师在旁讲解...

motion

原帖由 Focus 于 25-9-2006 10:01 AM 发表


你有权力要求律师给你解释，
因为你花钱请他的。
问他：“如果你不给我一条条解释， 那我有需要付你钱吗？”
权益是自己争取的。
如果他不给予你合作，
那么就撤换律师。

如果发展商说我只能用他们的panel lawyer， 怎么办？

如果银行说我只能用他们的panel lawyer， 怎么办？

这是一种很奇怪的现象。如果使用他们所指定的panel lawyer，那些lawyers在represent他们的情况之下，又要我们付legal fees。这不是很怪吗？购屋者要如何克服这问题？在法律上，发展商或银行有权利不允许我们使用那些，除了他们的panel lawyer以外的律师吗？

（似乎每个发展商或银行都用这手法，把所有的风险都转嫁到购屋者的身上）


Mutual of Deed 和 Power of Attorney 好像都是在走S&P的漏洞。在没有冲突到标准的S&P的条款之下，能够把风险都转嫁到购屋者的身上。这是否是说，我们在买屋时，反而更加应该注意Mutual of Deed 和 Power of Attorney？

Sirius

原帖由 motion 于 26-9-2006 01:12 AM 发表


如果发展商说我只能用他们的panel lawyer， 怎么办？

如果银行说我只能用他们的panel lawyer， 怎么办？

这是一种很奇怪的现象。如果使用他们所指定的panel lawyer，那些lawyers在represent他们的情况之 ...

我上次签SPA 的时候，lawyer说因为我们买的普通的Apartment(不是Service Apartment)，所以SPA 里面的条例都是政府定下的，叫我们放心。反而Mutual of Deed 就是发展商自己定的

Focus

原帖由 motion 于 26-9-2006 01:12 AM 发表


如果发展商说我只能用他们的panel lawyer， 怎么办？

如果银行说我只能用他们的panel lawyer， 怎么办？

通常他们只能要求你， 但不能硬性规定你一定要。
他们要你用他们的律师主要是保护他们自己的利益。
你可以找自己的律师跟他们谈。

原帖由 motion 于 26-9-2006 01:12 AM 发表
这是一种很奇怪的现象。如果使用他们所指定的panel lawyer，那些lawyers在represent他们的情况之下，又要我们付legal fees。这不是很怪吗？购屋者要如何克服这问题？在法律上，发展商或银行有权利不允许我们使用那些，除了他们的panel lawyer以外的律师吗？

（似乎每个发展商或银行都用这手法，把所有的风险都转嫁到购屋者的身上）

法律上没有这样的规定， 所以买者绝对有权力自己聘请自己的律师。

通常都是Sale person为了快速成交而叫你那么做的。你自己聘请的律师才会站在你这边。

还有用他们的律师， 手续会比较快， 可是对你的风险就提高了。

有些发展商会说， 他们提供你免费的Legal Fee,有些就没有提供。有提供的， 其实他们已经把Legal Fee算进你买屋子的价格里了。

马来西亚的房屋法律还有很多改善的地方。

你可以问他， 既然用你的panel lawyer也要我付钱， 那么我会用自己的律师。

原帖由 motion 于 26-9-2006 01:12 AM 发表
Mutual of Deed 和 Power of Attorney 好像都是在走S&P的漏洞。在没有冲突到标准的S&P的条款之下，能够把风险都转嫁到购屋者的身上。这是否是说，我们在买屋时，反而更加应该注意Mutual of Deed 和 Power of Attorney？

不管是那份文件， 都必须小心仔细阅读。


如果有任何错误， 请有心人给予更正！谢谢！

Focus

原帖由 Sirius 于 26-9-2006 12:03 PM 发表


我上次签SPA 的时候，lawyer说因为我们买的普通的Apartment(不是Service Apartment)，所以SPA 里面的条例都是政府定下的，叫我们放心。反而Mutual of Deed 就是发展商自己定的

你自己聘请的律师吗？

我的认知好像不是这样的。
我再确认一下。

政府定下的是基本条例， 可是SPA可以修改的。
因为政府不会每份SPA都拿来检查。
当有问题发生， 那么合约是最终根据,
因为是你们双方所签订的， 就证明你们都同意。

而Service Apartment就更惨。
它完全不受政府条例保护。